BENEFITS GUIDE - SiteOne Acquisition Employee Benefit ...
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2 0 2 1 BENEFITS GUIDE
2021 SITEONE 2
BENEFITS
3 Benefit Basics
As a valued associate of SiteOne,
your health and wellness is a top priority. 4 Medical
The benefits we offer are an important
part of our vision to be a great place to 6 Where To Go When You Need Care
work for our associates.
7 MDLIVE
We work hard every year to evaluate
the benefit offerings to make sure we 8 Cigna Programs
provide the right plans that take the
9 Health Savings Account
best care of you and your family’s needs,
so you can always be at your best, both 10 Prescription Drug Coverage
at work and at home.
12 Cost of Coverage
We encourage you to review this guide
so you are familiar with the many 13 Wellness Programs
benefits available to you and your
family. We hope you find this guide 15 Supplementing Your Medical Plan
to be a helpful tool as you make your
benefit choices. 16 Dental
If you have any questions about the 17 Vision
benefits in this guide, feel free to call
18 Flexible Spending Accounts
the benefit providers directly or visit
their websites. Our HR Service Team 20 Life and AD&D
is also available to help answer any
questions you may have. Please don’t 21 Disability
hesitate to call us at 470.277.7100
or email HR@siteone.com. 22 Financial Security
23 Other Benefits
26 Benefits On the Go
27 Benefit Contact Information
28 Legal NoticesBenefit Basics 3
Eligibility Making Changes During
You are eligible for benefits on the first day of the the Year
month following 30 days of employment when
The choices you make during Open Enrollment or
regularly scheduled to work at least 17.5 hours
when you first become eligible remain in effect
per week.
for the remainder of the plan year. Once you
DEPENDENTS are enrolled, you must wait until the next Open
You may enroll your eligible dependents in the same Enrollment period to change your benefits and add
plans you choose for yourself, including medical, or remove coverage for dependents, unless you
dental, vision, and optional life insurance coverage. have a qualified change in family status as defined
Eligible dependents may include the following: by the IRS.
¬ Your legal spouse or domestic partner Examples include, but are not limited to, the following:
¬ Your children or domestic partner’s children up to ¬ Marriage, divorce, legal separation, or annulment
age 26 ¬ Birth or adoption of a child
¬ Your unmarried dependent children over age ¬ Loss of other health coverage
26 who are incapable of self-care because of a
¬ New eligibility for other health coverage
disability and who rely on you for support
¬ Change in your dependent’s eligibility status
You have 31 days from the life event date to
Remember make changes to your coverage. You can request
You must provide proof of the change through ADP self-service, or contact
dependent status within 30 days HR@siteone.com.
from the day you enroll.Medical 4
At SiteOne, we understand the importance of good health as the foundation for a productive
life at home and at work. That is why we offer three medical plans, administered through
Cigna, to fit your needs and budget.
The Standard, Select, and Premium plans are Here’s how our medical plans work with
all high deductible health plans that give you HSA contributions:
the option of opening a Health Savings Account
(HSA). Please see page 9 for more information You pay nothing for eligible
on HSA options. in-network preventive care and
eligible preventive medications.
All medical plans include:
¬ Emergency coverage anywhere in the world You pay the discounted medical and
prescription expense in full until
¬ In-network wellness visits at no cost you reach your annual deductible.
¬ Childhood immunizations Preventive care doesn’t apply
toward the deductible.
¬ 3D mammograms and pap smears
¬ Prescription drug coverage Once the in-network deductible is met, you pay a
20% coinsurance for non-preventive medical and
Differences between the plans include: prescription expenses for the Premium and Select
Plans and 30% for the Standard Plan.
¬ Calendar year deductible
¬ Out-of-pocket maximum amount
Once your out-of-pocket costs
¬ Coinsurance – or the percentage of how much reach the annual maximum, the plan
the plan pays pays 100% for eligible expenses the
¬ Amount you pay out of your paycheck remainder of the plan year.
You can use the money in your Health Savings
Account to help pay your out-of-pocket maximum,
which includes your deductible, coinsurance,
and prescription costs.
Questions about Cigna’s coverage?
If you have questions about the Cigna network, how each plan covers different
services, etc. you can visit:
myCigna.com 866.955.SITE (7483) 24 hours a day,
or the Cigna mobile app 7 days a weekMedical 5
STANDARD SELECT PREMIUM
PLAN FEATURES ASSOCIATE COSTS ASSOCIATE COSTS ASSOCIATE COSTS
In-Network Out-of-Network In-Network Out-of-Network In-Network Out-of-Network
$3,000.00/individual $6,000.00/individual $2,350.00/individual $4,700.00/individual $1,450.00/individual $2,900.00/individual
Calendar Year Deductible
$6,000.00/family $12,000.00/family $4,700.00/family $9,400.00/family $2,900.00/family $5,800.00/family
Calendar Year Out-of- $6,000.00/individual $3,000.00/individual $2,200.00/individual
$90,000.00 $90,000.00 $90,000.00
Pocket Maximum $12,000.00/family* $6,000.00/family $4,400.00/family
Coinsurance
30% 50% 20% 50% 20% 50%
(amount you pay)
Preventive Care No charge 50% after deductible No charge 50% after deductible No charge 50% after deductible
Primary Care Office Visit 30% after deductible 50% after deductible 20% after deductible 50% after deductible 20% after deductible 50% after deductible
Virtual Visits 30% after deductible Not Covered 20% after deductible Not Covered 20% after deductible Not Covered
Specialist Office Visit 30% after deductible 50% after deductible 20% after deductible 50% after deductible 20% after deductible 50% after deductible
Urgent Care Facility 30% after deductible 50% after deductible 20% after deductible 50% after deductible 20% after deductible 50% after deductible
Emergency Room 30% after deductible 20% after deductible 20% after deductible
Inpatient Hospital 30% after deductible 50% after deductible 20% after deductible 50% after deductible 20% after deductible 50% after deductible
Outpatient Surgery 30% after deductible 50% after deductible 20% after deductible 50% after deductible 20% after deductible 50% after deductible
Diagnostic X-ray and Lab 30% after deductible 50% after deductible 20% after deductible 50% after deductible 20% after deductible 50% after deductible
Prescription Drugs (see page 10)
* The family out-of-pocket maximum is embedded, so an individual on family coverage will have no more than $6,000.00 in out-of-pocket expenses.
Importance of Staying In the Open Access Plus Network
To compare how these plans
This medical comparison chart clearly shows the differences between the might fit your needs go to
in-network and out-of-network benefit levels. It’s important you understand decisionsupport.cigna.com
what it means to stay within the Cigna Open Access Plus Network. use code MJWAPZKQ.
In-Network Care: When you seek medical services Out-of-Network Care: You may choose to receive care from
from a Cigna contracted provider, you receive a higher a non-contracted provider that is out of network. However,
level of benefits. you will receive a lower level of benefits.
Cigna
Out-of-network claims are paid based on You may need to
the amount that is considered reason- file your own claims
able and customary and you are respon- directly with Cigna.
sible for paying any charges above what
This means when you use a Contracted providers also take Cigna pays (called balance billing).
contracted provider, you sub- care of filing your claim directly
stantially reduce the amount with Cigna, so there’s no paper-
you pay out of pocket for work required on your part.
medical services. You can search providers in your area at
myCigna.com or via the myCigna app.Where To Go When You Need Care 6
Sometimes it’s easy to know when you should go to an emergency room (ER), such as when
you have severe chest pain or unstoppable bleeding. At other times, it’s less clear. Where do
you go when you have an ear infection, or are generally not feeling well? The emergency room
is always an option, but it can be an expensive one. You have choices for receiving in-network
care that work with your schedule and give you access to the kind of care you need. Know
when to use each for non-emergency treatment. The illustration below can help you decide
where to go for different kinds of health concerns.
VIRTUAL CARE RETAIL CLINICS YOUR DOCTOR IMMEDIATE / EMERGENCY ROOM
Around the clock video For medical care when Your first choice for URGENT CARE For life-threatening
house calls through you can’t see your non-emergency care When it’s not a true problems
MDLIVE. doctor emergency but needs
immediate attention
Average Wait Time: Average Wait Time: Average Wait Time: Average Wait Time: Average Wait Time:
$ $ $$ $$$ $$$$
• Sore throat • Infections • Cuts / scrapes • Migraines / headaches • Chest pain, stroke
• Headache • Cold and flu • Eye swelling, pain • Cuts that need stitches • Seizures
• Stomach ache • Minor injuries/pain • Fever, colds, flu • Stomach pain • Head or neck injuries
• Fever • Shots • Sore throat • Sprains / strains • Sudden or severe pain
• Cold and flu • Skin problems • Minor burns • Urinary tract infection • Heart attack
• Allergies • Sore / strep throat • Stomach ache • Animal bites • Severe vomiting, diarrhea
• Rash • Bronchitis • Ear / sinus pain • Back pain • Fainting, dizziness,
• Acne • Allergies • Physicals weakness
• UTIs and more • Minor allergic reactions • Uncontrolled bleeding
• Preventive Care • Problems breathing
immunizations/ • Broken bones
screeningsMDLIVE - Quick and Convenient Care Option! 7
CONNECT INTERACT DIAGNOSE
Call over the phone Real-time consultation with ePrescribe medications sent
Go online board-certified doctor to select pharmacy of your
Use the mobile app choice (when appropriate)
All options are convenient and affordable – averaging $55 or less per visit (until the deductible is met)!
Consider Using Virtual Care
You have access to the MDLIVE virtual care service MYCIGNA MOBILE APP
as a part of our medical plans.
MDLIVE offers you the care you need when,
where and how it works best for you! You can
MYCIGNA.COM
connect with a board-certified doctor via secure
video chat or phone, without leaving your home
or office for a wide range of minor conditions —
including most prescriptions.
866.955.SITE (7483)
It can be a cost-effective alternative to a
convenience care clinic or urgent care center,
and costs less than going to the emergency room.
Registering for this method of care earns you HSA
dollars from the SiteOne Wellness Program.
You can correspond with a doctor via online
video chat, phone, email, or written consultation.
They can also have prescriptions sent directly to
your pharmacy of choice. MDLIVE works just like
if you were going for a doctor’s visit. This program
is completely integrated with our medical plans,
so information can be shared with your Primary
Care Physician as well. Log on to myCigna.com
or use the myCigna mobile app to connect.
Register now so when you need care,
your account is ready to go and receive
$25 HSA wellness dollars!Cigna Programs 8
FIND AND COMPARE COSTS ONCOLOGY CASE MANAGEMENT
Visit myCigna.com or myCigna mobile app for Cigna offers improved quality of care and quality
things like finding and comparing costs and getting of life for customers with a confirmed cancer
personalized estimates. diagnosis, and require chemotherapy, radiation
therapy, surgery related to the cancer diagnosis or
Compare costs for providers and services in your hospice. Members work with Cigna’s specialty care
network, including doctors, behavioral health managers and nurses with oncology experience
resources, hospitals, office visits, labs, convenience who provide personalized cancer support for the
and urgent care clinics and more. For minor health patient and family, education on treatment options
concerns, you can register for a Virtual Visit and talk to identified by their doctor, understanding and ways
a doctor on your phone or computer. to manage symptoms, and support for end of
Before your visit, you can generate an out-of-pocket life planning.
estimate based on your specific health plan status. TRANSPLANT CASE MANAGEMENT
HEALTHY REWARDS This is available for those who are considering or are
Cigna members are eligible for discounts on various being evaluated for potential transplant procedure/
programs, services and products. Members may treatment and post-transplant complications.
access the program discounts via myCigna.com, The specialty case management team offers an
which may include: Nutritional meal delivery service, integrated approach to coordinate treatment,
fitness memberships and devices, vision care, Lasik provide education, resources and family support.
surgery, hearing aids, alternative medicine, yoga CHRONIC KIDNEY DISEASE CASE MANAGEMENT
products, virtual workouts, and more!
Cigna’s case management team offers an integrated
HEALTHY BABIES PROGRAM approach to assess the stage of disease and
This maternity educational program offers prenatal develop a personalized treatment plan. They also
care, educational materials and support – from coordinate with nephrologist, provide education,
prenatal to post-delivery. Welcome kits are provided resources, family support and encourage the use of
to help you maintain and guide you through your in-network providers to maximize benefits.
pregnancy. Members can also download the Cigna TREATMENT DECISION SUPPORT
Healthy Pregnancy® app. Participants have access to
Cigna’s 24 Hour Health Information Line and High Risk Cigna health coaches provide unbiased information
Maternity Case Management services. Cigna will also and education on treatment options for common
provide a complimentary breast pump to pregnant health problems (including back pain, coronary
mothers after 28 weeks of pregnancy. artery disease, benign uterine conditions,
osteoarthritis of hip and knee, breast and prostate
cancer). Members become fully informed of all
treatment alternatives with similar anticipated
Please visit myCigna.com for a full positive outcomes for their condition. They are
description of all programs and encouraged to communicate their questions and
resources available to you and your needs to their physician to establish a treatment
plan that is right for them.
covered dependents.Health Savings Account 9
With all medical plans, you may open a Health Savings Account (HSA) through Fidelity
Investments to set aside pre-tax dollars that are strictly used for your healthcare needs.
The money in your HSA can be used to pay for qualified medical, dental and vision costs,
such as deductibles and other out-of-pocket expenses. To help lower your medical costs,
SiteOne also contributes funds to your HSA on a quarterly basis.
Who Can Open an HSA Contributions
¬ You must be enrolled in a SiteOne medical You may contribute pre-tax funds into a HSA, through
plan (these plans are qualified high deductible payroll deductions or personal deposits, up to the IRS
health plans) Maximum Contribution Limits, which are subject to
¬ You cannot be covered by any other change each year. If you contribute more than these
“low deductible” health insurance plan amounts listed below, SiteOne may not be able to make
¬ You cannot be enrolled in Medicare the full employer contribution.
¬ You cannot be claimed as a dependent on
someone else’s tax return COVERAGE LEVEL Individual Family
2021 IRS Maximum
$3,600.00 $7,200.00
Contribution Limits
HOW THE HSA WORKS
SiteOne contribution $500.00 $900.00
Enroll in a SiteOne Medical Plan Save Additional that can be
$200.00 $400.00
for earned (See page 13)
future Total potential SiteOne
CONTRIBUTION $700.00 $1,300.00
contribution
Your 2021 Maximum
$2,900.00 $5,900.00
Contribution
Pay
or Associates ages 55 and older before December 31, 2021 may contribute an
Company Automatic save Pay
through additional $1,000.00 per year.
Contributions Payroll
Deductions HSA
Want to receive the company contribution? You
All of the money in the HSA is yours to keep — must successfully open your HSA! If you don’t,
even if you leave SiteOne. You can use it to help funds cannot be deposited.
pay for eligible expenses now or later!
WANT TO RECEIVE THE COMPANY CONTRIBUTION? YOU MUST SUCCESSFULLY
OPEN YOUR HSA! IF YOU DON’T, FUNDS CANNOT BE DEPOSITED.
Opening Your HSA
You are eligible to open a HSA once you enroll in a SiteOne medical plan.
After enrollment, please visit www.NetBenefits.com to set up your HSA account with Fidelity Investments. If you do not have
1 access to the Internet, you can contact Fidelity Investments at 800.544.3716 to request a paper application.
Your company contribution will be applied during the first month of the quarter following the successful opening of your HSA
2 account. Please note that if you miss a quarterly contribution, it will not be paid at a later date.Prescription Drug Coverage 10
If you are enrolled in one of the medical plans, you automatically have prescription drug
coverage through OptumRx.
Need to fill a prescription? Your first step is always
to check if your medication is on the free preventive
drug list, so you can save money! Depending on your
drug type, follow the below:
My Drug IS a Free My Drug is NOT a Free
Preventive Drug Preventive Drug
SiteOne covers preventive drugs For all other drugs not on the
with an expanded list at 100%. preventive list, they follow the
Visit the documents section of ADP plan design below.
to see what prescriptions are free.
THESE FREE PREVENTIVE
Non- Maintenance Non- Maintenance MEDICATIONS INCLUDE
Maintenance If they are Maintenance If they are CERTAIN HIGH BLOOD
Those drugs maintenance Those drugs maintenance
can be a 30- medications, can be a 30- medications,
PRESSURE, HIGH
day supply or a they must be day supply or they must be CHOLESTEROL, DIABETES,
90-day supply filled at a CVS 90-supply if filled at a CVS ASTHMA, OSTEOPOROSIS,
if they are not Pharmacy or they are not Pharmacy or
maintenance through home maintenance through home ANTI-DEPRESSANTS,
medications delivery after 2 medications delivery after 2 AND PRENATAL NUTRIENT
grace 30-day fills grace 30-day fills
DEFICIENCY DRUGS.
STANDARD SELECT PREMIUM
ASSOCIATE COSTS ASSOCIATE COSTS ASSOCIATE COSTS
PRESCRIPTION DRUGS: RETAIL (up to a 30-day supply) OUT-OF-NETWORK COVERAGE
20% after deductible, 20% after deductible,
Tier 1: Generic 30% after deductible
up to $30.00 up to $30.00
Tier 2: Preferred Brand 30% after deductible
20% after deductible, 20% after deductible, There is no coverage
up to $75.00 up to $75.00
Tier 3: Non-formulary 20% after deductible, 20% after deductible,
if you go out of the
30% after deductible
brand up to $200.00 up to $200.00 pharmacy network.
Tier 4: Formulary 20% after deductible, 20% after deductible,
30% after deductible
Brand up to $350.00 up to $350.00
Some Preventive
0% before deductible 0% before deductible 0% before deductible
Drugs
PRESCRIPTION DRUGS: MAIL ORDER (up to a 90-day supply)
Tier 1: Generic 20% after deductible, 20% after deductible,
30% after deductible
up to $90.00 up to $90.00
Tier 2: Preferred Brand 20% after deductible, 20% after deductible,
30% after deductible
up to $225.00 up to $225.00
Tier 3: Non-formulary 20% after deductible, 20% after deductible,
30% after deductible
brand up to $600.00 up to $600.00
Tier 4: Formulary 20% after deductible, 20% after deductible,
30% after deductible
Brand up to $1,050.00 up to $1,050.00
Some Preventive
0% before deductible 0% before deductible 0% before deductible
DrugsPrescription Drug Coverage cont. 11
More Ways to Save Long Term or Maintenance
Medications
You and your family are required to receive 90-
day supplies of long-term medications, which can
also be referred to as maintenance medication(s),
RETAIL
through OptumRX Home Delivery or at a CVS
Our plan is structured by 30-day and 90-day Pharmacy. Keep in mind, a lot of maintenance
supplies. For 30-day supplies, you can fill a medication(s) are considered preventive. To get
prescription at any in-network retail location or started, log on to optumrx.com or call the toll-free
through mail order. For a 90-day supply of your number on the back of your ID card.
medications you take on a regular basis, you can
either pick up your prescription at a CVS Pharmacy
or fill it through the Home Delivery program.
How to Fill Medications
OR
HOME DELIVERY 30-day or less prescriptions, visit a
Home Delivery is the OptumRx program that pharmacy in the OptumRx network.
offers you a savings on long-term medications.
What is the benefit of a 90-day supply through
Home Delivery? You save time not having to run
OR
to the pharmacy each month, and it conveniently
arrives at your door with $0 shipping costs.
Visit optumrx.com to get started. 90-day supply of maintenance medications,
use the Home Delivery program or pick up your
prescription at a CVS Pharmacy.
SPECIALTY PHARMACY OptumRx.com
If you have a complex or chronic condition (such The website helps you manage your medications.
as rheumatoid arthritis, multiple sclerosis, or You’ll be able to find a network pharmacy, check
psoriasis) then you need a specialty pharmacy. medication coverage, track home delivery orders,
OptumRx has specialists on staff who know the and much more.
medications that treat your condition and their
expertise allows them to get you the medication
you need, along with personalized, clinical support.
To get started, visit specialty.optumrx.com.Cost of Coverage 12
Spousal/Domestic Partner Tobacco Surcharge
Surcharge If you enroll in a SiteOne medical plan at Open Enrollment,
you’re required to certify your tobacco status.
If you currently cover your working spouse or
domestic partner through a SiteOne medical plan, The Tobacco Usage Surcharge is $11.54 per week ($600.00
you will be charged a spousal domestic partner per year) for associates who participate in the medical plan
surcharge unless he or she does not have access and who use tobacco.
to employer coverage.
You are considered a tobacco-user if you have used tobacco
The spousal/domestic partner surcharge products (cigarettes, cigars, chewing tobacco, snuff,
will be $17.31 per week ($900.00 per year). e-cigarettes) within the last six months regardless of the
frequency or location (this includes daily, occasionally, socially,
If your spouse or domestic partner has access to employer at home only, etc.).
coverage but is currently covered through SiteOne, consider
having him or her enroll in their employer medical plan. The Tobacco Surcharge can be removed by completing
the Tobacco Cessation Program through ComPsych. More
When you cover your working spouse or domestic partner details about this program are listed on page 13.
through a SiteOne medical plan, you are essentially shifting
another employer’s costs to us. This surcharge is a cost control Regardless of your previous participation in the Tobacco
method used by employers nationwide. All associates covering Cessation Program, you will be required to certify your
a spouse or domestic partner will be required to attest to their tobacco status every year. Should you continue to be
spouse/ domestic partner’s working status annually. considered a tobacco-user or take no action to certify,
the surcharge will apply.
New Associates to SiteOne will attest to their tobacco status
during the next Open Enrollment period.
EACH YEAR, YOU WILL BE ASKED TO
¬ If you join SiteOne during the 2021 plan year, the tobacco
CERTIFY YOUR STATUS FOR EACH OF THE surcharge will not apply to you in 2021.
SURCHARGES. IF YOU DO NOT CERTIFY
¬ However, you will be asked your tobacco status during
DURING OPEN ENROLLMENT, YOU WILL SEE Open Enrollment for the 2022 plan year and a surcharge
THE SURCHARGES ON YOUR PAYCHECK. may be applied at that time based on your tobacco status.
Your health plan is committed to helping you achieve your best health. Rewards
for participating in a wellness program are available to all associates. If you
think you might be unable to meet a standard for a reward under this wellness
program, you might qualify for opportunities to earn the same reward by
different means. Contact the Human Resources Service Team at 470.277.7100
who will work with you (and, if you wish, with your doctor) to find a wellness
program with the same reward that is right for you.
2021 MEDICAL AND PRESCRIPTION DRUG RATES
MEDICAL PRE-TAX COST PER WEEK
Standard Select Premium
Associate Only $15.50 $23.05 $29.50
Associate + Spouse $53.55 $74.50 $90.30
Associate + Child(ren) $43.05 $60.50 $75.65
Family $78.30 $108.95 $137.20Wellness Programs 13
As a company, we want to help you stay healthy. In 2021, we continue our focus
on wellness so you can take control of your health and well-being, and earn
rewards! With support from Cigna, we will continue our commitment to offer an
exciting health and wellness program that will allow you to earn rewards when
you complete certain health and wellness actions.
2021 PROGRAM COMPLETE ANY OF THE FOLLOWING ACTIVITIES TO
Starting on January 1, you have the opportunity to EARN YOUR REWARD!
earn up to $200.00 of wellness incentives into your Annual Physical ($100.00): Complete an annual physical
Health Savings Account in 2021. To qualify, you must with your health provider. Tip: ensure your provider is
be in a SiteOne Cigna medical plan and complete coding your visit as an annual preventive care physical to
certain activities listed to the right. Spouses enrolled earn the incentive.
in the medical plan are able to participate in the Complete the Cigna online Health Assessment ($25.00):
wellness program and are eligible to earn up to $200 Associates can complete a confidential health assessment
HSA incentive dollars as well. at myCigna.com or through the myCigna mobile app.
Complete the survey located on the Health Assessment
tab through the app, or the Wellness tab online.
Activities must be completed by September 30, 2021
to receive the incentive. Get Connected on Apps and Activities ($50.00): Cigna’s
Apps & Activities (A&A) program encourages members to
To learn more about your incentive activities and begin set healthy habits, not just check a box. Its design allows
participating, log on to myCigna.com or download you to do as much or as little as you want at your own
the myCigna mobile app to participate in Cigna’s pace. We encourage all associates to take part in even
MotivateMe program. more fun — through our game-like activities; where you
can track your activity level, set your pace, follow your
WANT TO QUIT TOBACCO – FOR GOOD? progress and achieve your personal goals!
We offer a free tobacco cessation program through Complete a health goal with a Cigna wellness coach
ComPsych, our Employee Assistance Program (EAP) ($50.00): Call 866.417.7848 to enroll in a coaching
program to lose weight, manage stress, start a
provider. This program provides a comprehensive plan
fitness plan, improve your heart health, eat well,
with tobacco cessation products and one-on-one or live healthier with diabetes. Your coach will help
counseling with a health coach to help you achieve you set realistic goals and get the tools you need to
your goals of quitting and staying tobacco free. achieve them.
Contact ComPsych at 844.637.0493 for additional Complete Diabetes Prevention Program ($100.00):
information and to enroll today. Complete nine lessons of the Cigna weight management
and Diabetes Prevention Program, Omada, within a 26-
If you are currently using tobacco and complete the week period. Register at Omadahealth.com/SiteOne.
ComPysch tobacco cessation program by November
Complete a Diabetes Management Coaching
30, 2021, the surcharge will be removed for the Call ($50.00): If you enrolled in the Livongo
remainder of the year and the surcharge payments program, complete one coaching call with your
incurred since January 1 will be refunded. diabetes educator.
Your health plan is committed to helping you achieve your best health. Rewards Enroll in Cigna’s MDLIVE Virtual Care ($25.00): Getting
for participating in a wellness program are available to all associates. If you care for an acute illness such as a sore throat, headache,
think you might be unable to meet a standard for a reward under this wellness the flu or a rash can occur within minutes through a
program, you might qualify for opportunities to earn the same reward by different
virtual visit. Please visit myCigna.com or myCigna
means. Contact the Human Resources Service Team at 470.277.7100 who will
work with you (and, if you wish, with your doctor) to find a wellness program with mobile app to enroll.
the same reward that is right for you.Wellness Programs 14
Omada Hinge Health
More than 22 million individuals are affected by 1 in 2 individuals suffer from musculoskeletal pain
diabetes nationwide. The Omada program is data- nationwide. The NO COST Hinge Health program
driven, CDC-recognized, and focused on reducing offers digital programs for back or joint pain that
instances of diabetes and cardiovascular disease via support members with a customized experience to
behavioral counseling and customized engagement. reduce the need for surgery and help manage pain.
Participants receive a digital scale, complete
Associates and spouses who are enrolled in the
weekly online lessons and work with a virtual health
medical plan have free access to a personal health
coach online and on their phone as well as engage
coach, convenient exercise therapy, and education
with a social network to learn nutrition, stress
articles to help you understand your condition and
management, sleep and fitness lifelong skills.
treatment options.
To enroll in the program, visit To enroll in the program, visit
omadahealth.com/SiteOne. hingehealth.com/siteone.
Livongo - Free Diabetes
Meter and Unlimited
Testing Strips
Testing and tracking your blood glucose levels
is critical to successfully managing your
diabetes, but it can be a time-consuming,
manual process. Livongo allows you and your
spouse with diabetes to join the program at
no cost if you have medical coverage through
SiteOne. With Livongo, you can easily:
¬ Track your levels, see trends and share
your data with whomever you choose
Click to watch a video on
¬ Get unlimited test strips and lancets what you can expect to
delivered to your door with no out-of- receive from Livongo!
pocket cost
¬ Get personalized tips in real-time
to help you stay on track and make
informed choices
Visit join.livongo.com/SITEONE/begin
or call your dedicated Livongo Team at
800.945.4355.Supplementing Your Medical Plan 15
The SiteOne medical plans provide great coverage for you and your family’s general healthcare needs.
Still, everyone’s needs are slightly different. That’s where our voluntary benefit options come in! You
can choose these benefits to protect your family’s finances in case of an unforeseen injury or illness.
Critical Illness Insurance ¬ Guaranteed acceptance for you and other eligible
family members
If you were diagnosed with a critical illness today, ¬ Payments made directly to you, not your
would your finances be there tomorrow? Statistics healthcare provider
show that over our lifetime the chances of being ¬ Coverage is portable. You can take your policy
diagnosed with a critical illness are high. To protect with you if you change jobs or retire
your family and finances, Critical Illness insurance is
available through Cigna. Accidental Injury Insurance
Critical Illness insurance will pay you a lump-sum cash In the US, accidents happen every 2 seconds at home,
benefit if diagnosed with a covered critical illness. every 7 seconds at work and every 7 seconds on the road.
The coverage does not replace your medical benefits While you can count on your insurance to cover medical
but is designed to help meet expenses that are not expenses, it doesn’t always cover indirect costs that can
normally covered under traditional health insurance. arise from a serious, or even a not-so-serious, accidental
Associate, spouse and child coverage is available. injury that occurs on- or off-the job. You may end up paying
Coverage is portable; you can take your policy with out of your own pocket for things like transportation to
you if you change jobs or retire. and from medical treatment, over-the-counter medicine,
¬ Associate: $5,000; $10,000.00; $20,000.00; dependent day care, copayments and deductibles.
or $30,000.00 With Accident insurance through Cigna, you have two
¬ Spouse: 50% of the associate coverage amount plan options to choose from that provide you with a lump-
¬ Child(ren): 25% of the associate coverage amount sum cash benefit to help you take care of those extra
expenses or anything else you wish.
COVERED ILLNESS AND CONDITIONS:
¬ Heart attack PLAN COMPARISONS
¬ Kidney failure EXAMPLES LOW PLAN HIGH PLAN
¬ Stroke Ankle fracture
$400.00 $800.00
(closed)
¬ Cancer
Dislocated hip
¬ Major organ failure (closed)
$2,000.00 $3,000.00
¬ Coronary artery disease Concussion $100.00 $150.00
¬ Carcinoma in situ (25%) Eye injury $200.00 $400.00
Emergency care $100.00 $200.00
Hospital Care Insurance Non-ICU hospital
admission after an $500.00 $1,000.00
accident
With an average cost of $10,000.00 per hospital
PLAN FEATURES
stay in the US, it’s easy to see why having hospital
insurance coverage may make good financial sense. ¬ Associate, spouse, and child(ren) coverage is available
If you are admitted or confined to a hospital due to ¬ Coverage is portable. You can take your policy with
an accident or illness, hospital indemnity insurance you if you change jobs or retire
benefits can help pay for out-of-pocket costs such as ¬ Benefit payment amounts are determined by the
covered accident schedule of benefits
health insurance deductibles and copayments—or for
anything that you see fit. Features include:Dental 16
Good dental care improves your overall health.
The Cigna dental plan is designed to help
2021 Dental Rates
you maintain a healthy smile through regular DENTAL PRE-TAX COST PER WEEK
preventive dental care and to fix any problems as Associate Only $3.50
soon as they occur. Because preventive care is so Associate + Spouse $8.10
important, your dental plan covers these services Associate + Child(ren) $9.20
in full with no deductible. You can visit any dentist, Family $13.75
but we encourage you to see in-network providers
to ensure you are getting the best rate.
Visit myCigna.com or myCigna mobile app.
COINSURANCE
INSURANCE COVERAGE
In-Network and Out-of-Network
$25.00/individual
Annual Deductible (waived for Preventive Services)
$50.00/family
Calendar Year Maximum $1,500.00 per person
Diagnostic and Preventive Services (e.g., x-rays, cleanings, exams) 100%
Basic and Restorative Services (e.g., fillings, extractions, root canals) 80%
Major Services (e.g., dentures, bridges, crowns) 50%
Orthodontic Services for Adults and Dependents 50%, no deductible
(e.g., diagnosis and correction of misalignment of teeth or bite) $1,500.00 per person (lifetime maximum)
What does a balance bill
amount look like?
For example, Cigna covers=$600 for a crown.
OUT-OF-NETWORK DENTIST
CIGNA DENTAL
NETWORK An out-of-network dentist charges $750 for a crown.
If you go to that dentist, more than likely you will have to cover
the additional $150 difference on top of your coinsurance.
IN-NETWORK DENTIST
An in-network dentist charges $600.
When you go in network, you’re covered because the
provider agreed to Cigna’s negotiated rate for crowns.Vision 17
Our vision plan includes benefits for eye
exams, eyeglasses, and contact lenses through
2021 Vision Rates
UnitedHealthcare. You may visit a provider VISION PRE-TAX COST PER WEEK
within the UHC network and take advantage Associate Only $0.40
of higher benefits coverage, or visit an out-of- Associate + Spouse $0.95
network provider of your choice for a reduced Associate + Child(ren) $0.80
benefit. Visit www.myuhcvision.com to search Family $1.35
the network.
UNITEDHEALTHCARE PLAN
Plan Features Frequency In-Network Out-of-Network
Vision Exam Once every 12 months $5.00 copay $44.00 allowance
$10.00 copay
Standard Frames Once every 24 months $25.00 allowance
($130.00 retail frame allowance)
Single vision: $35.00 allowance
Bifocals: $53.00 allowance
Standard Lenses Once every 12 months $10.00 copay
Trifocals: $70.00 allowance
Lenticular: $87.00 allowance
Formulary:
Once every 12 months $50 copay for up to 4 boxes
Contact Lenses $53.00 allowance
(in lieu of eye glasses) Non-Formulary:
$105 allowance
5 Tips for Healthy Eyes
Schedule Eye Exams If you smoke, quit!
for your whole family. Smoking increases Be Active. Regular
your risk of cataracts. exercise can delay the
onset of age-related
permanent vision loss.
Wear Sunglasses to Rest your Eyes once every
protect your eyes from 20 minutes for 20 seconds
the sun’s UV rays. while working at a computer.Flexible Spending Accounts 18
SiteOne is partnering with a new vendor, Discovery Benefits, for Flexible Spending Accounts
(FSA). We offer two types of spending accounts to help you save money.
Limited Purpose Flexible Dependent Care (Day Care)
Spending Account Flexible Spending Account
Limited Purpose FSA can be used in conjunction with The Dependent Care FSA is a tax-saving way to cover
an HSA. This account allows you to set aside pre-tax dependent care expenses (such as preschool, summer
dollars for out-of-pocket dental and vision expenses day camp, before or after school programs, and child
only. Medical expenses are not covered under the or adult daycare) that you would typically pay out of
Limited Purpose FSA. pocket. Expenses such as day care or elder care can
quickly add up. It’s a way to save money while taking
LIMITED PURPOSE FSA care of your loved ones so that you can continue to work.
Annual Limit $2,750.00 This account lets you pay for these costs with pre-tax
Eligible Expenses ¬ Dental and orthodontia visits and dollars, so you increase your take home pay. This does
expenses
not cover dependent healthcare expenses.
¬ Dental implants, veneers, dentures
and bridges When you submit a Dependent Care FSA claim, you must
¬ Optometrist and ophthalmologist first have enough money deposited into your account
visits and expenses
from your paycheck before you receive reimbursement.
¬ Eye glasses, contacts, prescription
sunglasses, solution and eye drops For instance, if you have only contributed $750.00 to
¬ Laser eye surgery your account for the year, but submit a $1,000.00 claim,
$550.00 Rollover Up to $550.00 of your unused you will only be reimbursed $750.00. Once you make
balance at the end of the year will additional payroll contributions, you will be reimbursed the
automatically roll over to the next
plan year. Minimum rollover is $36.
rest of the claim.
Submit Claims By March 31, 2022 DEPENDENT CARE FSA
Annual Limit $5,000.00 ($2,500.00 if you are married and
file your taxes separately)
Eligible Expenses For children under 13
Dependent’s
medical expenses ¬ Day care, babysitters, nanny, summer
are NOT eligible day camp, before and after-school care
LIMITED PURPOSE FSA ¬ Disabled dependent/spouse care
IS FOR DENTAL AND
¬ Elder day care
VISION EXPENSES ONLY. Use It or Lose It The IRS has a strict “use it or lose it” rule for
the FSAs: If you do not use the full amount in
your account by the end of the plan year, you
will lose any remaining funds.
Submit Claims By March 31, 2022
LEARN MORE ABOUT HOW THESE FSAs WORK!
Limited Purpose FSA DC FSA
CHECK OUT THIS INTERACTIVE ELIGIBLE
EXPENSES LIST FOR DEPENDENT CARE
BY CLICKING HERE.Flexible Spending Accounts cont. 19
FSA Debit Card
If you enroll in the Limited Purpose FSA or the
Dependent Care FSA, you will receive a debit card
to be used for eligible expenses. You can also
conveniently monitor your accounts and submit
claims for reimbursement online or from your phone
using an easy mobile app (see page 26). Please save
ALL 2021 CLAIMS MUST BE FILED BY receipts for tax purposes.
MARCH 31, 2022.
IMPORTANT — YOUR DEPENDENT CARE FUNDS
ONCE YOU ENROLL IN THE FSAs, YOU CANNOT For recurring costs, you can submit a Recurring
Dependent Care Form with Discovery Benefits!
CHANGE YOUR CONTRIBUTION AMOUNT
It makes claim filing simple because you only
DURING THE YEAR, UNLESS YOU EXPERIENCE need to submit one form once in order to get
A QUALIFIED STATUS CHANGE. reimbursed each pay period. You can find the
form when you log in to your personal Discovery
Benefits account.
Discovery Benefits App
CHECK OUT THIS VIDEO ON HOW TO USE THE DOWNLOAD THE DISCOVERY BENEFITS
DISCOVERY BENEFITS MOBILE APP. VISIT THE APP APP ON THE APP STORE OR GOOGLE PLAY
STORE OR GOOGLE PLAY TO DOWNLOAD.
APP STORE GOOGLE PLAYLife and Accidental Death & Dismemberment (AD&D) 20
Basic Life and AD&D LIFE AND AD&D RATES - CALCULATED BY THE ASSOCIATE’S AGE
Associate Spouse
Associate Monthly
Age of Associate Monthly Rate per
As an important part of your personal financial Rate per $1,000.00
$1,000.00
planning, SiteOne provides you with life Under 30 $0.052 $0.062
and accidental death and dismemberment 30-34 $0.061 $0.071
(AD&D) insurance coverage at no cost to you. 35-39 $0.075 $0.087
You automatically receive life and AD&D coverage 40-44 $0.105 $0.107
on the first of the month following 30 days of 45-49 $0.152 $0.132
employment in the amount of one time your 50-54 $0.240 $0.226
55-59 $0.383 $0.374
annual salary.
60-64 $0.614 $0.646
65 and over $1.076 $1.113
Voluntary Life and AD&D
Insurance $2,500.00
CHILD LIFE AND AD&D RATES
$0.31 per month
$5,000.00 $0.62 per month
Having extra insurance to cover expenses such as
$10,000.00 $1.24 per month
funeral costs in the event of your, or a loved one’s,
death is an important consideration in your financial VOLUNTARY LIFE AND AD&D CALCULATION EXAMPLE:
planning. In addition to the Basic Life Insurance
and AD&D that SiteOne provides, you may purchase Total Amount Elected /
additional life and AD&D insurance for you and Monthly Premium
$1,000.00 x Age-Based Rates =
your dependents. You may be required to provide
Evidence of Insurability (EOI) if you elect more than
the guaranteed issue amount, or enroll outside of Pedro is 40 years old and elects
$50,000.00 of coverage.
your initial eligibility period.
Pedro’s Cost: $50,000.00 $5.25 per month
VOLUNTARY LIFE AND AD&D INSURANCE / $1,000.00 X $0.105 = ($1.21 per week)
Person(s) Coverage Guaranteed Issue
Covered Amount
Associate Increments of $25,000.00 During 2021 Open Laurel is 45 years old and elects
(cannot exceed 8X annual Enrollment: increase $50,000.00 of coverage for
salary or $1,500,000.00) up to $400,000.00 herself and her husband.
New Hires: 5X salary
up to $400,000.00 Laurel’s Cost: $50,000.00 / $7.60 per month
Spouse (rate Units of $10,000.00 During 2021 Open $1,000 X $0.152 = ($1.75 per week)
is based on up to a maximum of Enrollment: Increase
the age of the $250,000.00 up to $50,000.00
Associate) Note: May not exceed New Hires: up to Husband’s Cost:
your voluntary coverage $50,000.00 $6.60 per month
$50,000.00 / $1,000.00 ($1.52 per week)
amount
X $0.132 =
Child(ren) $2,500.00, $5,000.00, All amounts
or $10,000.00 guaranteed
Note: You must enroll in
at least $25,000.00 of $14.20 per month
Laurel’s Total Cost:
voluntary life and AD&D ($3.28 per week)
for yourself
For more details on eligibility and benefits,
DON’T FORGET TO DESIGNATE please refer to your plan benefit booklets or
YOUR BENEFICIARY IN ADP! summary plan descriptions (SPDs) located in ADP.Disability 21
Short-Term Disability (STD)
SiteOne automatically provides you with short-term disability (STD) coverage when you become eligible
for benefits. The STD plan provides 65 percent of your weekly salary, to a maximum of $4,200.00 per
week for up to 51 weeks of disability. Benefits begin after seven days of disability resulting from an
accident or illness.
Please note: If you are employed in a state that has a state-mandated disability plan, your disability
benefits will be subject to state law. Please contact Cigna for more information or to file a claim.
Long-Term Disability (LTD)
Long-term disability (LTD) coverage is automatically provided to you and gives you benefits when you
need them the most. Think of it as a way to insure your income in the event of an extended illness or
injury. LTD coverage will replace 60 percent of your annual salary, to a monthly maximum of $15,000.00,
if you are disabled for more than 12 months and are unable to work. LTD benefits are offset with other
sources of income, such as Social Security and workers’ compensation. See plan document for plan
provisions and exclusions.
Voluntary Long-Term Disability
Voluntary LTD enhances the employer paid LTD benefit that you receive. You can purchase coverage
at $0.296 per $100.00 for a monthly benefit of 70 percent of your annual salary, up to $15,000.00
per month, if you cannot work because of a disabling illness or injury. Late entrants to the plan have
to provide EOI.
SHORT AND LONG-TERM DISABILITY INSURANCE
29%
60%
1/4
More than 60% of 29% of insured 1 in 4 20-year-olds in the
disabled Americans working age U.S. will become disabled
are working age Americans struggle to before retirement
pay their medical billsFinancial Security 22
401(k) Financial Wellness
To help you save for your future, SiteOne sponsors a As a company, we believe in empowering
401(k) plan, administered by Fidelity Investments, associates to take control of their financial
to assist you in saving for your retirement. When you situations. The goal of the financial wellness
participate in the 401(k) plan, you build retirement program is simple — to improve financial literacy
savings while reducing current taxable income. You can and retirement preparedness through provided
contribute from 1% to 50% of your eligible compensation education, consultations, and resources. The best
to the plan on a pre-tax basis and/or Roth after-tax basis, part about it — there is no cost to you so your
up to the IRS limits and, if over the age of 50, a $6,500.00 financial fitness remains a priority.
catch-up contribution.
To learn more about your Financial Wellness Benefit,
SiteOne will automatically enroll newly hired associates contact our support team at 844.324.2411 or
into the 401(k) Plan with a 3% pre-tax contribution. email info@mentorogroup.com.
Each year, the contribution amount is automatically
increased by 1%. You may opt out of the feature. Keep in
mind that you will be able to opt out or make changes to
your contribution and investment elections at any time CLICK HERE TO LEARN MORE
by contacting Fidelity. SiteOne matches 120% of your ABOUT THIS BENEFIT
first 2% of contributions, and then 40% on the next 4%.
You are always fully vested in any funds that you
contribute. After three years of service, you are
100% vested in the company’s match.
You must designate a beneficiary so that funds in
your account can be distributed in case of your death.
You may designate your beneficiary by contacting Fidelity
at www.netbenefits.com or calling 800.890.4015.
Please contact Fidelity with any questions
regarding this plan.
ARE YOU MISSING OUT ON FREE
MONEY FROM SITEONE?
+
SITEONE MATCHES THEN 40% ON
120% OF YOUR FIRST THE NEXT 4%
2% OF CONTRIBUTIONS.
After three years of service, you are 100% vested
in the company match.Other Benefits 23
Employee Assistance Program Paid Time Off Program
(EAP) Associates accrue PTO each weekly pay period
of active employment. Accrual is based upon
Personal issues and life events can take a toll on
continuous years of service. Paid time off hours are
your quality of life and work. To help you manage
to be used for your personal leave needs such as
stressful life situations, SiteOne provides you
illness, vacation, and family situations. PTO accrues
and your family with a free Employee Assistance
from date of hire (full-time, full-time annual layoff,
Program (EAP) through the ComPsych Guidance
and part-time associates are eligible). Click here
Resources.
to read the PTO policy.
Licensed counselors can provide you with access
to face-to-face counseling visits as well as legal Tuition Reimbursement Plan
advice, financial consultation, special needs
Associates can participate in the SiteOne Tuition
care, dependent care referrals, other community
Reimbursement Plan, which reimburses tuition
referrals, college planning and much more.
expenses up to $5,250.00 per year for approved
¬ Toll-Free Number 24/7: 844.637.0493 degree programs at accredited educational
¬ Website: www.guidanceresources.com institutions up to program limits (full-time,
full-time annual layoff, and part-time associates
¬ Company Web ID: SiteOne are eligible). Click here to read the frequently
Paid Parental Leave asked questions.
SiteOne’s Paid Parental Leave policy provides SiteOne Associate
mothers and fathers three weeks of time away from
work within the first year of the birth or adoption of Purchase Plan
a child. During time away, associates will receive 100 You are entitled to purchase SiteOne products for
percent of their base pay. Time away must be taken personal use at 10% above cost (all associates
at a minimum of one week continuous blocks of time. are eligible). Visit your closest Branch to place
Click here to read the Paid Parental Leave policy. your order.Other Benefits 24
Legal Protection with LegalShield Identity Theft Protection
With LegalShield, you will have direct access to a with IDShield
dedicated law firm with attorneys who have been with
their respective law firm for an average of 22 years and Every year millions of people have their identity stolen.
have a range of experience. They can advise you through IDShield provides the identity theft protection and identity
a variety of everyday legal matters from family, auto/ restoration services you not only need but deserve.
home, and financial. All legal matters are handled 100% IDShield provides two different plan options: Associate Only
in-network and there are no claim forms to fill out or call and Family. The benefits of the plan include the following:*
center to navigate through.
¬ Unlimited Consultation: identity theft specialist on
When you enroll in LegalShield, you, your spouse, and your common personal identity theft matters including
dependent children under 26 years of age are included common identity theft scams, data breaches, online
in the coverage. LegalShield provides coverage for the privacy and reputation management and lost/stolen
following common legal matters:* wallets. Support is even available 24/7 in the event of
¬ General Legal Services: advice and consultation, an identity theft emergency.
demand letters and phone calls made on the ¬ Identity and Credit Monitoring: privacy information
participant’s behalf, document review and preparation monitoring of multiple points (name, Social Security
and court representation for covered matters number, address, phone numbers, driver’s license,
¬ Family Matters: administrative hearing, adoption, and much more), credit monitoring and monthly credit
domestic violence protection, elder care issues, score tracking, and social media account monitoring.
guardianship or conservatorship, immigration If a discrepancy is found you will receive an alert.
assistance, incompetency defense, juvenile court ¬ Daily Monitoring via Extensive Resources: daily
defense, name change, and prenuptial agreement monitoring of credit and collection accounts, public
¬ Auto: driver’s license restoration, motor vehicle records and credit report inquiries, bankruptcies,
property damage, and moving traffic violations liens and judgments, and dark web monitoring
¬ Estate Planning: living will/physician’s directive, If your identity is compromised, IDShield uses Licensed
power of attorney, probate, trusts, wills and codicils Private Investigators to restore your identity. You receive
one-on-one consultation and advocacy on your behalf,
Once enrolled, LegalShield will send you a member number utilizing a Limited Power of Attorney to take on the bulk
and instructions on how to create your account along of the work required to not only resolve known issues,
with contact information for your dedicated provider law but also proactively identify and resolve unknown
firm when your plan becomes effective. You will need this potential identity theft events. The coverage also covers
member number to create your LegalShield account on pre-existing identity theft issues, regardless of time
https://accounts.legalshield.com/. passed and a $1 Million Identity Fraud Protection Plan.
LEGALSHIELD WEEKLY RATE IDShield will send you a member number and instructions
$3.63 on how to create your account when your plan becomes
effective. You will need this member number to create
your IDShield account at IDShield.cloud/activate.
IDSHIELD WEEKLY RATE
Associate Only $2.07
NEED MORE INFORMATION OR HAVE
Family $3.91
QUESTIONS BEFORE YOU ENROLL?
*Limitations may apply. This is a general overview of coverage. See a benefit
VISIT BENEFITS.LEGALSHIELD.COM/SITEONE overview for plan details.Other Benefits 25
Free Programs from Cigna HEALTH ADVOCACY SERVICES
Help for you and your family is just a phone call away.
With our life and disability partner, Cigna, you and your family Cigna Health Advocacy Services offers you expert
are able to utilize some great programs at no cost to you. assistance with a wide range of healthcare and health
insurance issues. Let them help you — your spouse,
HEALTHY REWARDS
dependents, parents, and parents-in-law — get the
You and your family members can enjoy instant savings answers you need, when you need them, 24/7, at no
using the Cigna Healthy Rewards program. Visit the additional cost to you. Call 866.799.2725.
Healthy Rewards website, www.cigna.com/rewards
(password: savings), or call 800.258.3312 to get information DON’T KNOW WHERE TO TURN? CIGNA POINTS THE WAY.
on participating providers and save on the programs that are ¬ Find the right health care professionals based
right for you. on your needs and locate specialists, schedule
appointments, arrange medical tests or special
Discounts are available for these programs:
treatments
¬ Nutritional meal delivery ¬ Alternative medicine
service ¬ Answer questions about diagnoses, test results,
¬ Yoga products
treatments, medications, and more
¬ Fitness memberships and ¬ Virtual workout
devices ¬ Mind/Body WANT TO MAXIMIZE YOUR BENEFIT DOLLARS?
¬ Vision care ¬ Vitamins, health, and WE CAN HELP YOU SAVE.
¬ Lasik surgery wellness products ¬ Get the estimated fees for services in your area
¬ Hearing aids
¬ Find options for non-covered and alternative
TRAVEL PROGRAM health services
Cigna Secure Travel offers pre-trip planning, assistance while ¬ Receive information about generic drug options
traveling, and emergency medical transportation benefits for ¬ Address questions and concerns related to your
covered persons traveling 100 miles or more from home. Just medical bills
call 888.226.4567 for assistance anytime, any day of the year.
¬ Get help negotiating discounts on medical or dental
WILL PREPARATION bills over $400.00 not covered by insurance
Will preparation services are available through NEED ELDERCARE OR SPECIAL NEEDS SERVICES?
Cigna’s My Secure Advantage Program. Go to WE’RE THERE FOR YOU.
cigna.mysecureadvantage.com or call 888.724.2262
¬ Find in-home care, adult day care, group homes,
for more information.
assisted living, and long-term care
CIGNA ONE GUIDE ¬ Get access to a range of services for parents
Cigna One Guide is an enhanced customer service team of children with special needs or autism
designed to provide associates the personalized support spectrum disorders
they need to accomplish their health and wellness goals. The ¬ Clarify or get help applying for Medicare,
personal guides can help associates with a variety of concerns, Medicare Supplement plans, and Medicaid
including choosing a plan, understanding the benefits of the
¬ Coordinate care among multiple providers
plan at the beginning of the year, earning incentives, getting
treatment, managing chronic conditions, finding doctors/ ¬ Arrange transportation to appointments
hospitals, avoiding unexpected bills, and managing life changing
diagnoses. Associates can communicate with personal guides
via phone, web, app and live chat. Call 866.955.SITE (7483) or
visit myCigna.com or myCigna mobile app.You can also read
